More than 200,000 Oregonians who buy their own health insurance face major cost changes in 2014.

Insurers' rate requests for 2014 will be announced in less than four months. But the general outlines are clear: Under the new federal health law, the reasonably well-off can expect to pay higher premiums in the individual market, especially if they're 49 or younger. For many of the rest, there's good news: Costs of coverage will drop significantly thanks to tax credits.

But important details remain to be worked out, including how big a role age plays and specific rate hikes. The coverage cost shake-up for those purchasing their own coverage is just one of many major changes to the health care landscape rolling out this year courtesy of the Affordable Care Act.